For a 40-year-old driver with a clean record, car insurance in York, PA, averages about $170 a month ($2,034 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That puts it 17% under Pennsylvania’s $204 monthly average. Erie has the lowest full-coverage average among the five major insurers we compared (Allstate, Erie, GEICO, Progressive and State Farm), at about $137 a month.
York is the least expensive of the 11 Pennsylvania cities we publish guides for, by a hair: its $2,034 yearly full-coverage average, about $170 a month, is a few dollars a year below Harrisburg’s and Lancaster’s and 17% below the state average.
Our data covers six York ZIP codes. Use these averages as a benchmark when you compare car insurance quotes in York, PA.
Cost data comes from the auto rates insurers file with state regulators, priced across all six York ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.
For a 40-year-old driver with a clean record, full coverage in York, PA, runs about $170 a month ($2,034 a year), and liability-only coverage at Pennsylvania’s 15/30/5 minimum runs $47 a month, based on rates insurers had filed as of Aug. 31, 2026. The Pennsylvania average is $204 a month, so that figure is 17% lower.
Erie has the lowest full-coverage average among the five insurers in our York rate data. The seven published 2026 statewide Pennsylvania rate studies we reviewed disagree on the cheapest insurer for full coverage: two rank Travelers first, two Auto-Owners and one each Erie, Encova and State Farm. Four of the seven price Travelers below Erie, and two price Nationwide below it. For liability-only coverage at 15/30/5 limits, averages run from about $26 to $77 a month among these five insurers; the lowest is far enough below the rest that we don’t name a cheapest insurer for that coverage level.
Full-coverage averages by insurer in York
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Minimum Liability 15/30/5 (Yearly): | Minimum Liability 15/30/5 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| Erie | $311 | $26 | $1,649 | $137 |
| GEICO | $523 | $44 | $2,024 | $169 |
| Progressive | $509 | $42 | $2,079 | $173 |
| State Farm | $543 | $45 | $2,083 | $174 |
| Allstate | $920 | $77 | $2,336 | $195 |
| Travelers* | $367 | $31 | $1,367 | $114 |
| Nationwide* | $514 | $43 | $1,643 | $137 |
| Westfield Insurance* | $228 | $19 | $1,892 | $158 |
| USAA (military families)* | $470 | $39 | $2,056 | $171 |
| York average | $561 | $47 | $2,034 | $170 |
This table uses York ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare free car insurance quotes before you buy.
Across the six York ZIP codes we price, full coverage for our driver ranges from about $166 a month in 17402 and 17408 to $174 in 17401 and 17403, a gap of $92 a year. Two suburban ZIP codes, 17402 and 17408, tie for the lowest price in our data.
Lowest-priced York ZIP codes
Highest-priced York ZIP codes
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below York’s average.
| ZIP Code: | Minimum Liability 15/30/5 (Yearly): | Minimum Liability 15/30/5 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 17401 | $578 | $48 | $2,086 | $174 | +2% |
| 17402 | $551 | $46 | $1,995 | $166 | -2% |
| 17403 | $570 | $48 | $2,087 | $174 | +2% |
| 17404 | $571 | $48 | $2,034 | $170 | About average |
| 17406 | $545 | $45 | $2,006 | $167 | -2% |
| 17408 | $551 | $46 | $1,997 | $166 | -2% |
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 adds only about $49 a year on average in our York data, with the same $500 deductibles. The full-coverage package doubles the per-person injury limit, triples the per-crash limit and doubles the property damage limit, and it raises uninsured and underinsured motorist coverage to 100/300. Allstate and Erie charge less for 100/300/100 than for 50/100/50 for our benchmark driver.
For our benchmark driver, full coverage isn’t going up. Comparing the same insurers in the same York ZIP codes, full coverage averaged $2,078 a year nine months earlier and $2,034 in rates as of Aug. 31, 2026, a 2.1% drop. State Farm cut its York average 10.5% and Progressive 1.8%, while Allstate raised its average 2.7%; Erie’s and GEICO’s averages were unchanged. Liability-only coverage at 15/30/5 limits rose 0.5%, led by Allstate, which raised its liability-only average 5.0%.
York is a mid-sized city on I-83 between Harrisburg and Baltimore, and its rates sit among the lowest of the Pennsylvania cities we publish guides for. York County averages about $167 a month for full coverage in our data.
Your ZIP code barely matters here: all six York ZIP codes we price fall within about $8 a month of each other. The insurer matters much more, with Erie about $58 a month below Allstate.
More Pennsylvania cities and towns are in the Pennsylvania rates by city table, and you can compare states on our car insurance rates by state page.
Harrisburg and Lancaster, each about 23 miles away, also average about $170 a month. Elsewhere in York County, Hanover averages about $159 a month in our data, Dover $161 and Dillsburg $158. For the statewide picture, see our guide to Pennsylvania car insurance rates.
Drivers in York follow Pennsylvania’s rules. To register and drive a car, your policy must include at least $15,000 in bodily injury liability for one person, $30,000 for everyone hurt in one crash and $5,000 in property damage liability. Those liability limits are often written as 15/30/5. Your policy must also include $5,000 in medical benefits, which pay your own medical bills after a crash no matter who caused it.
Uninsured and underinsured motorist coverage is optional, letting your coverage lapse can cost you your registration, and every policy asks you to choose full tort or limited tort. Our Pennsylvania requirements guide covers the penalties for driving uninsured, and our Pennsylvania tort guide compares the two tort options side by side. For our benchmark driver, a liability-only policy at those 15/30/5 limits averages $561 a year ($47 a month) in York, compared with $641 statewide, and stepping up to 50/100/50 liability with comprehensive and collision brings the average to $1,985 a year.
Ready to compare
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
Coverage requirements come from the Pennsylvania Insurance Department and PennDOT. We refresh these figures when new rate data is released.
Car insurance in York, PA, costs about $170 a month ($2,034 a year) for full coverage and $47 a month for liability-only coverage at Pennsylvania’s 15/30/5 minimum, for a 40-year-old driver with a clean record, in rates insurers had filed as of Aug. 31, 2026. That’s 17% below the Pennsylvania average of $204 a month.
Erie has the lowest full-coverage average among the five major insurers we compared in York, at about $137 a month, followed by GEICO and Progressive, effectively tied at $169 and $173. Travelers and Nationwide, which we list with a *, come in lower in our table. For liability-only coverage, averages run from about $26 to $77 a month among the five major insurers we compared. Rates vary by driver, so compare quotes for your own car and ZIP code.
It’s about the same. In our data, York full coverage averages $2,034 a year and Harrisburg $2,037, both about $170 a month and 17% below the Pennsylvania average.
In our data, 17402 and 17408 share the lowest full-coverage average in York, at about $166 a month, and 17401 and 17403 the highest, at about $174. The ZIP code table on this page lists all six.
In our York data, full coverage (100/300/100 with $500 deductibles) averages about $170 a month and liability-only coverage at 15/30/5 limits about $47, a difference of about $123 a month ($1,473 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. Pennsylvania law doesn’t require full coverage, but a lender or leasing company may.
Drivers in York must carry Pennsylvania’s minimums: $15,000 per person and $30,000 per crash in bodily injury liability and $5,000 in property damage liability (15/30/5), plus $5,000 in medical benefits. Uninsured and underinsured motorist coverage is optional, and every policy asks you to choose full tort or limited tort.
Not for full coverage, for our benchmark driver. Comparing the same insurers and ZIP codes, York full coverage fell 2.1% over the past nine months, from about $2,078 to $2,034 a year. State Farm cut its York average 10.5% and Progressive 1.8%, while Allstate raised its average 2.7%. Liability-only coverage at 15/30/5 limits rose 0.5%.
For our benchmark driver, full coverage in York averages about $170 a month. Nearby, Harrisburg averages about $170, Lancaster about $170 and Reading about $196. York is the least expensive of these; prices depend mostly on ZIP code, so compare quotes for your own address.
